Alinma’s H1 net profit up 18% to SAR 709 mln

09/07/2015 Argaam Exclusive

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Alinma Bank (ALINMA)

Alinma Bank, Saudi Arabia's third smallest bank, reported a net profit of SAR 709 million for H1-2015, 18.17 percent higher than the SAR 600 million posted in the same period in 2014.

Financials (M)

Item	6m 2014	6m 2015	Change‬
Net Income from investments and financial activities	1,014.42	1,160.46	14.4 %
Operating Income	1,211.20	1,575.10	30.0 %
Total Provisions	(40.62)	(148.25)	(264.9 %)
Net Income	600.50	708.87	18.0 %
Average Shares	2,500.00	2,500.00	-
EPS (Riyals)	0.24	0.28	18.0 %

Net profit in Q2-2015 was SAR 365 million, 6.1 percent higher than the SAR 344 million posted a quarter earlier.

When compared to the second quarter of 2014, the period’s net profit was 18.51 percent higher.

The higher profit over all periods was driven by balance sheet growth and higher operating income, the bank said in a statement to Tadawul.

Current Quarter Comparison (M)

Compared With The

Item	Q2 2014	Q2 2015	Change‬
Net Income from investments and financial activities	501.80	610.46	21.7 %
Operating Income	611.44	845.51	38.3 %
Debt Provisions	(15.65)	(78.13)	(399.3 %)
Net Income	307.66	364.76	18.6 %
Average Shares	2,500.00	2,500.00	-
EPS (Riyals)	0.12	0.15	18.6 %

Item	Q1 2015	Q2 2015	Change‬
Net Income from investments and financial activities	550.00	610.46	11.0 %
Operating Income	729.60	845.51	15.9 %
Debt Provisions	(70.12)	(78.13)	(11.4 %)
Net Income	344.11	364.76	6.0 %
Average Shares	2,500.00	2,500.00	-
EPS (Riyals)	0.14	0.15	6.0 %

Balance Sheet (B)

Item	6m 2014	6m 2015	Change‬
Assets	70.60	81.84	15.9 %
Customer Deposits	48.98	60.59	23.7 %
Financing Investments	49.01	53.39	8.9 %

Financial results (Million)

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change	Net Income	Change	EPS(Riyal)
Q1 2006	-	-	-	-	-	-	-	-	-
Q2 2006	-	-	-	-	-	-	-	-	-
Q3 2006	-	-	-	-	-	-	-	-	-
Q4 2006	-	-	-	-	-	-	-	-	-
2006	-	-	-	-	-	-	-	-	-
Q1 2007	-	-	-	-	-	-	-	-	-
Q2 2007	-	-	-	-	-	-	-	-	-
Q3 2007	-	-	-	-	-	-	-	-	-
Q4 2007	-	-	-	-	-	-	-	-	-
2007	-	-	-	-	-	-	-	-	-
Q1 2008	-	-	-	-	-	-	-	-	-
Q2 2008	-	-	-	-	-	-	-	-	-
Q3 2008	-	-	-	-	-	-	-	-	-
Q4 2008	-	-	-	-	-	-	-	-	-
2008	338.67	-	338.67	-	-	-	389.98	-	0.16
Q1 2009	177.96	-	178.21	-	-	-	109.38	-	0.04
Q2 2009	152.81	-	153.56	-	-	-	67.92	-	0.03
Q3 2009	144.07	-	145.22	-	-	-	38.65	-	0.02
Q4 2009	470.66	-	476.99	-	-	-	395.57	-	0.16
2009	945.50	179.2 %	953.98	181.7 %	-	-	605.34	55.2 %	0.24
Q1 2010	67.26	(62.2 %)	82.36	(53.8 %)	-	-	(75.09)	(168.7 %)	(0.03)
Q2 2010	161.61	5.8 %	174.26	13.5 %	-	-	3.30	(95.1 %)	0.00
Q3 2010	187.50	30.1 %	191.04	31.6 %	-	-	20.21	(47.7 %)	0.01
Q4 2010	108.77	(76.9 %)	214.57	(55.0 %)	(3.00)	-	66.80	(83.1 %)	0.03
2010	525.14	(44.5 %)	662.22	(30.6 %)	(3.00)	-	15.21	(97.5 %)	0.01
Q1 2011	219.18	225.9 %	261.71	217.8 %	(2.00)	-	70.23	193.5 %	0.03
Q2 2011	277.87	71.9 %	307.25	76.3 %	(5.04)	-	102.50	3007.9 %	0.04
Q3 2011	298.60	59.3 %	332.25	73.9 %	(5.64)	-	122.30	505.1 %	0.05
Q4 2011	315.91	190.4 %	487.05	127.0 %	(112.06)	(3,635.4 %)	136.30	104.1 %	0.05
2011	1,111.57	111.7 %	1,388.27	109.6 %	(124.73)	(4,057.8 %)	431.33	2735.6 %	0.17
Q1 2012	330.36	50.7 %	393.08	50.2 %	(16.88)	(743.8 %)	150.48	114.3 %	0.06
Q2 2012	346.36	24.7 %	484.15	57.6 %	(67.41)	(1,238.9 %)	179.42	75.0 %	0.07
Q3 2012	407.10	36.3 %	459.10	38.2 %	(44.07)	(681.9 %)	195.65	60.0 %	0.08
Q4 2012	433.31	37.2 %	489.72	0.5 %	(26.01)	76.8 %	207.61	52.3 %	0.08
2012	1,517.13	36.5 %	1,826.05	31.5 %	(154.37)	(23.8 %)	733.15	70.0 %	0.29
Q1 2013	443.27	34.2 %	521.71	32.7 %	(51.03)	(202.4 %)	221.41	47.1 %	0.09
Q2 2013	456.91	31.9 %	559.13	15.5 %	(60.49)	10.3 %	241.46	34.6 %	0.10
Q3 2013	460.46	13.1 %	542.46	18.2 %	(28.31)	35.8 %	262.03	33.9 %	0.10
Q4 2013	474.20	9.4 %	655.78	33.9 %	(134.40)	(416.6 %)	279.86	34.8 %	0.11
2013	1,834.84	20.9 %	2,279.08	24.8 %	(274.22)	(77.6 %)	1,004.76	37.0 %	0.40
Q1 2014	512.62	15.6 %	599.84	15.0 %	(24.98)	51.1 %	292.84	32.3 %	0.12
Q2 2014	501.80	9.8 %	611.44	9.4 %	(15.65)	74.1 %	307.66	27.4 %	0.12
Q3 2014	529.49	15.0 %	687.33	26.7 %	(50.65)	(78.9 %)	331.34	26.4 %	0.13
Q4 2014	531.05	12.0 %	721.31	10.0 %	(70.40)	47.6 %	332.60	18.8 %	0.13
2014	2,074.95	13.1 %	2,619.84	15.0 %	(161.67)	41.0 %	1,264.43	25.8 %	0.51
Q1 2015	550.00	7.3 %	729.60	21.6 %	(70.12)	(180.8 %)	344.11	17.5 %	0.14
Q2 2015	610.46	21.7 %	845.51	38.3 %	(78.13)	(399.3 %)	364.76	18.6 %	0.15

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change	Net Income	Change	EPS(Riyal)
2005	-	-	-	-	-	-	-	-	-
2006	-	-	-	-	-	-	-	-	-
2007	-	-	-	-	-	-	-	-	-
2008	338.67	-	338.67	-	-	-	389.98	-	0.16
2009	945.50	179.2 %	953.98	181.7 %	-	-	605.34	55.2 %	0.24
2010	525.14	(44.5 %)	662.22	(30.6 %)	(3.00)	-	15.21	(97.5 %)	0.01
2011	1,111.57	111.7 %	1,388.27	109.6 %	(124.73)	(4,057.8 %)	431.33	2735.6 %	0.17
2012	1,517.13	36.5 %	1,826.05	31.5 %	(154.37)	(23.8 %)	733.15	70.0 %	0.29
2013	1,834.84	20.9 %	2,279.08	24.8 %	(274.22)	(77.6 %)	1,004.76	37.0 %	0.40
2014	2,074.95	13.1 %	2,619.84	15.0 %	(161.67)	41.0 %	1,264.43	25.8 %	0.51

Profitability

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
Q1 2006	-	-	-
Q2 2006	-	-	-
Q3 2006	-	-	-
Q4 2006	-	-	-
2006	-	-	-
Q1 2007	-	-	-
Q2 2007	-	-	-
Q3 2007	-	-	-
Q4 2007	-	-	-
2007	-	-	-
Q1 2008	-	-	-
Q2 2008	-	-	-
Q3 2008	-	-	-
Q4 2008	-	-	-
2008	-	-	115.15 %
Q1 2009	-	-	-
Q2 2009	-	-	-
Q3 2009	-	-	-
Q4 2009	-	-	64.42 %
2009	3.68 %	3.91 %	63.77 %
Q1 2010	2.44 %	2.75 %	50.85 %
Q2 2010	1.74 %	2.33 %	42.49 %
Q3 2010	1.71 %	2.21 %	38.01 %
Q4 2010	0.07 %	0.10 %	2.74 %
2010	0.07 %	0.10 %	2.74 %
Q1 2011	0.66 %	1.03 %	22.24 %
Q2 2011	0.91 %	1.67 %	30.56 %
Q3 2011	1.26 %	2.31 %	37.34 %
Q4 2011	1.36 %	2.74 %	36.42 %
2011	1.36 %	2.74 %	36.42 %
Q1 2012	1.47 %	3.24 %	39.27 %
Q2 2012	1.54 %	3.69 %	42.61 %
Q3 2012	1.58 %	4.11 %	43.96 %
Q4 2012	1.61 %	4.50 %	44.83 %
2012	1.61 %	4.50 %	44.83 %
Q1 2013	1.67 %	4.88 %	45.54 %
Q2 2013	1.70 %	5.19 %	45.78 %
Q3 2013	1.71 %	5.51 %	47.66 %
Q4 2013	1.72 %	6.00 %	49.72 %
2013	1.72 %	6.00 %	49.72 %
Q1 2014	1.77 %	6.32 %	51.32 %
Q2 2014	1.78 %	6.61 %	53.15 %
Q3 2014	1.80 %	6.88 %	54.49 %
Q4 2014	1.76 %	7.27 %	55.32 %
2014	1.76 %	7.27 %	55.32 %
Q1 2015	1.76 %	7.60 %	56.31 %
Q2 2015	1.80 %	7.76 %	55.92 %

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
2005	-	-	-
2006	-	-	-
2007	-	-	-
2008	-	-	115.15 %
2009	3.68 %	3.91 %	63.77 %
2010	0.07 %	0.10 %	2.74 %
2011	1.36 %	2.74 %	36.42 %
2012	1.61 %	4.50 %	44.83 %
2013	1.72 %	6.00 %	49.72 %
2014	1.76 %	7.27 %	55.32 %

Balance Sheet (B)

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
Q1 2006	-	-	-	-	-	-
Q2 2006	-	-	-	-	-	-
Q3 2006	-	-	-	-	-	-
Q4 2006	-	-	-	-	-	-
Q1 2007	-	-	-	-	-	-
Q2 2007	-	-	-	-	-	-
Q3 2007	-	-	-	-	-	-
Q4 2007	-	-	-	-	-	-
Q1 2008	-	-	-	-	-	-
Q2 2008	-	-	-	-	-	-
Q3 2008	-	-	-	-	-	-
Q4 2008	-	-	-	-	-	-
Q1 2009	16.19	-	0.58	-	0.30	-
Q2 2009	16.61	-	0.54	-	0.42	-
Q3 2009	16.53	-	0.78	-	0.73	-
Q4 2009	17.31	-	1.50	-	1.11	-
Q1 2010	18.83	16.3 %	2.98	411.2 %	3.60	1095.0 %
Q2 2010	24.95	50.2 %	6.41	1091.6 %	8.43	1927.1 %
Q3 2010	23.77	43.8 %	6.79	767.2 %	13.75	1783.1 %
Q4 2010	26.67	54.1 %	8.32	455.3 %	15.59	1302.5 %
Q1 2011	29.61	57.2 %	11.31	280.3 %	20.38	466.6 %
Q2 2011	32.35	29.7 %	13.23	106.4 %	22.50	167.1 %
Q3 2011	33.85	42.4 %	15.85	133.6 %	24.06	74.9 %
Q4 2011	36.78	37.9 %	17.78	113.8 %	25.26	62.0 %
Q1 2012	39.87	34.7 %	21.33	88.5 %	27.61	35.5 %
Q2 2012	44.19	36.6 %	25.96	96.2 %	30.03	33.5 %
Q3 2012	49.85	47.3 %	28.57	80.2 %	35.00	45.4 %
Q4 2012	54.01	46.8 %	32.21	81.2 %	37.19	47.2 %
Q1 2013	56.24	41.0 %	34.36	61.1 %	39.42	42.8 %
Q2 2013	57.94	31.1 %	36.47	40.4 %	41.57	38.4 %
Q3 2013	59.14	18.6 %	37.62	31.7 %	41.91	19.8 %
Q4 2013	63.00	16.6 %	42.76	32.7 %	44.92	20.8 %
Q1 2014	65.44	16.4 %	45.14	31.4 %	45.81	16.2 %
Q2 2014	70.60	21.8 %	48.98	34.3 %	49.01	17.9 %
Q3 2014	75.46	27.6 %	53.39	41.9 %	50.22	19.8 %
Q4 2014	80.86	28.3 %	59.43	39.0 %	53.64	19.4 %
Q1 2015	83.69	27.9 %	61.56	36.4 %	55.01	20.1 %
Q2 2015	81.84	15.9 %	60.59	23.7 %	53.39	8.9 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
3m 2006	-	-	-	-	-	-
6m 2006	-	-	-	-	-	-
9m 2006	-	-	-	-	-	-
12m 2006	-	-	-	-	-	-
3m 2007	-	-	-	-	-	-
6m 2007	-	-	-	-	-	-
9m 2007	-	-	-	-	-	-
12m 2007	-	-	-	-	-	-
3m 2008	-	-	-	-	-	-
6m 2008	-	-	-	-	-	-
9m 2008	-	-	-	-	-	-
12m 2008	15.56	-	-	-	-	-
3m 2009	16.19	-	0.58	-	0.30	-
6m 2009	16.61	-	0.54	-	0.42	-
9m 2009	16.53	-	0.78	-	0.73	-
12m 2009	17.31	11.2 %	1.50	-	1.11	-
3m 2010	18.83	16.3 %	2.98	411.2 %	3.60	1095.0 %
6m 2010	24.95	50.2 %	6.41	1091.6 %	8.43	1927.1 %
9m 2010	23.77	43.8 %	6.79	767.2 %	13.75	1783.1 %
12m 2010	26.67	54.1 %	8.32	455.3 %	15.59	1302.5 %
3m 2011	29.61	57.2 %	11.31	280.3 %	20.38	466.6 %
6m 2011	32.35	29.7 %	13.23	106.4 %	22.50	167.1 %
9m 2011	33.85	42.4 %	15.85	133.6 %	24.06	74.9 %
12m 2011	36.78	37.9 %	17.78	113.8 %	25.26	62.0 %
3m 2012	39.87	34.7 %	21.33	88.5 %	27.61	35.5 %
6m 2012	44.19	36.6 %	25.96	96.2 %	30.03	33.5 %
9m 2012	49.85	47.3 %	28.57	80.2 %	35.00	45.4 %
12m 2012	54.01	46.8 %	32.21	81.2 %	37.19	47.2 %
3m 2013	56.24	41.0 %	34.36	61.1 %	39.42	42.8 %
6m 2013	57.94	31.1 %	36.47	40.4 %	41.57	38.4 %
9m 2013	59.14	18.6 %	37.62	31.7 %	41.91	19.8 %
12m 2013	63.00	16.6 %	42.76	32.7 %	44.92	20.8 %
3m 2014	65.44	16.4 %	45.14	31.4 %	45.81	16.2 %
6m 2014	70.60	21.8 %	48.98	34.3 %	49.01	17.9 %
9m 2014	75.46	27.6 %	53.39	41.9 %	50.22	19.8 %
12m 2014	80.86	28.3 %	59.43	39.0 %	53.64	19.4 %
3m 2015	83.69	27.9 %	61.56	36.4 %	55.01	20.1 %
6m 2015	81.84	15.9 %	60.59	23.7 %	53.39	8.9 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
2005	-	-	-	-	-	-
2006	-	-	-	-	-	-
2007	-	-	-	-	-	-
2008	15.56	-	-	-	-	-
2009	17.31	11.2 %	1.50	-	1.11	-
2010	26.67	54.1 %	8.32	455.3 %	15.59	1302.5 %
2011	36.78	37.9 %	17.78	113.8 %	25.26	62.0 %
2012	54.01	46.8 %	32.21	81.2 %	37.19	47.2 %
2013	63.00	16.6 %	42.76	32.7 %	44.92	20.8 %
2014	80.86	28.3 %	59.43	39.0 %	53.64	19.4 %

Ratios

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
Q1 2006	-	-	-
Q2 2006	-	-	-
Q3 2006	-	-	-
Q4 2006	-	-	-
Q1 2007	-	-	-
Q2 2007	-	-	-
Q3 2007	-	-	-
Q4 2007	-	-	-
Q1 2008	-	-	-
Q2 2008	-	-	-
Q3 2008	-	-	-
Q4 2008	-	-	-
Q1 2009	3.60 %	51.70 %	1.86 %
Q2 2009	3.24 %	77.28 %	2.50 %
Q3 2009	4.73 %	93.34 %	4.42 %
Q4 2009	8.65 %	74.25 %	6.42 %
Q1 2010	15.80 %	120.88 %	19.10 %
Q2 2010	25.69 %	131.46 %	33.77 %
Q3 2010	28.55 %	202.67 %	57.86 %
Q4 2010	31.18 %	187.51 %	58.47 %
Q1 2011	38.21 %	180.11 %	68.82 %
Q2 2011	40.91 %	170.06 %	69.57 %
Q3 2011	46.83 %	151.82 %	71.09 %
Q4 2011	48.33 %	142.09 %	68.67 %
Q1 2012	53.49 %	129.43 %	69.24 %
Q2 2012	58.75 %	115.68 %	67.96 %
Q3 2012	57.31 %	122.51 %	70.21 %
Q4 2012	59.64 %	115.44 %	68.85 %
Q1 2013	61.10 %	114.72 %	70.09 %
Q2 2013	62.94 %	113.99 %	71.74 %
Q3 2013	63.61 %	111.41 %	70.87 %
Q4 2013	67.88 %	105.05 %	71.31 %
Q1 2014	68.97 %	101.49 %	70.00 %
Q2 2014	69.37 %	100.07 %	69.42 %
Q3 2014	70.75 %	94.07 %	66.55 %
Q4 2014	73.49 %	90.26 %	66.33 %
Q1 2015	73.56 %	89.37 %	65.74 %
Q2 2015	74.03 %	88.11 %	65.23 %

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
2005	-	-	-
2006	-	-	-
2007	-	-	-
2008	-	-	-
2009	8.65 %	74.25 %	6.42 %
2010	31.18 %	187.51 %	58.47 %
2011	48.33 %	142.09 %	68.67 %
2012	59.64 %	115.44 %	68.85 %
2013	67.88 %	105.05 %	71.31 %
2014	73.49 %	90.26 %	66.33 %

Per Share Data (Riyal)

Compared With The

Period	Shares Outstanding (M)	EPS (Riyal)	Adjusted EPS (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
Q1 2006	-	-	-	-	-
Q2 2006	-	-	-	-	-
Q3 2006	-	-	-	-	-
Q4 2006	-	-	-	-	-
Q1 2007	-	-	-	-	-
Q2 2007	-	-	-	-	-
Q3 2007	-	-	-	-	-
Q4 2007	-	-	-	-	-
Q1 2008	-	-	-	-	-
Q2 2008	-	-	-	-	-
Q3 2008	-	-	-	-	-
Q4 2008	-	-	-	-	-
Q1 2009	2,500.00	-	-	-	6.20
Q2 2009	2,500.00	-	-	-	6.22
Q3 2009	2,500.00	-	-	-	6.24
Q4 2009	2,500.00	0.24	0.24	-	6.24
Q1 2010	2,500.00	0.17	0.17	-	6.21
Q2 2010	2,500.00	0.14	0.14	-	6.21
Q3 2010	2,500.00	0.14	0.14	-	6.22
Q4 2010	2,500.00	0.01	0.01	-	6.25
Q1 2011	2,500.00	0.06	0.06	-	6.22
Q2 2011	2,500.00	0.10	0.10	-	6.26
Q3 2011	2,500.00	0.14	0.14	-	6.30
Q4 2011	2,500.00	0.17	0.17	-	6.36
Q1 2012	2,500.00	0.20	0.20	-	6.43
Q2 2012	2,500.00	0.24	0.24	-	6.49
Q3 2012	2,500.00	0.26	0.26	-	6.58
Q4 2012	2,500.00	0.29	0.29	-	6.67
Q1 2013	2,500.00	0.32	0.32	-	6.76
Q2 2013	2,500.00	0.35	0.35	-	6.85
Q3 2013	2,500.00	0.37	0.37	-	6.97
Q4 2013	2,500.00	0.40	0.40	-	6.73
Q1 2014	2,500.00	0.43	0.43	-	6.86
Q2 2014	2,500.00	0.46	0.46	-	6.98
Q3 2014	2,500.00	0.48	0.48	-	7.12
Q4 2014	2,500.00	0.51	0.51	-	7.18
Q1 2015	2,500.00	0.53	0.53	-	6.98
Q2 2015	2,500.00	0.55	0.55	-	7.16

Period	Shares Outstanding (M)	EPS (Riyal)	Adjusted EPS (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
2005	-	-	-	-	-
2006	-	-	-	-	-
2007	-	-	-	-	-
2008	2,500.00	0.16	0.16	-	6.16
2009	2,500.00	0.24	0.24	-	6.24
2010	2,500.00	0.01	0.01	-	6.25
2011	2,500.00	0.17	0.17	-	6.36
2012	2,500.00	0.29	0.29	-	6.67
2013	2,500.00	0.40	0.40	-	6.73
2014	2,500.00	0.51	0.51	-	7.18

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Adjusted P/E	Price/book
Q1 2006	-	-	-
Q2 2006	-	-	-
Q3 2006	-	-	-
Q4 2006	-	-	-
Q1 2007	-	-	-
Q2 2007	-	-	-
Q3 2007	-	-	-
Q4 2007	-	-	-
Q1 2008	-	-	-
Q2 2008	-	-	-
Q3 2008	-	-	-
Q4 2008	-	-	-
Q1 2009	-	-	1.02
Q2 2009	-	-	1.27
Q3 2009	-	-	1.29
Q4 2009	31.15	31.15	1.22
Q1 2010	45.31	45.31	1.25
Q2 2010	44.91	44.91	1.05
Q3 2010	47.97	47.97	1.06
Q4 2010	More than 100	More than 100	1.01
Q1 2011	More than 100	More than 100	0.95
Q2 2011	More than 100	More than 100	0.95
Q3 2011	38.35	38.35	0.88
Q4 2011	32.52	32.52	0.88
Q1 2012	45.74	45.74	1.46
Q2 2012	31.22	31.22	1.13
Q3 2012	29.35	29.35	1.18
Q4 2012	26.29	26.29	1.16
Q1 2013	24.62	24.62	1.17
Q2 2013	23.64	23.64	1.20
Q3 2013	22.60	22.60	1.21
Q4 2013	22.24	22.24	1.33
Q1 2014	25.99	25.99	1.63
Q2 2014	23.91	23.91	1.56
Q3 2014	30.40	30.40	2.07
Q4 2014	24.19	24.19	1.70
Q1 2015	25.14	25.14	1.89
Q2 2015	24.67	24.67	1.89

Period	P/E	Adjusted P/E	Price/book
2005	-	-	-
2006	-	-	-
2007	-	-	-
2008	42.69	42.69	1.08
2009	31.47	31.47	1.22
2010	More than 100	More than 100	1.01
2011	32.52	32.52	0.88
2012	26.29	26.29	1.16
2013	22.24	22.24	1.33
2014	24.19	24.19	1.70

Business Segments (Million)

Compared With The

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Others..
Q1 2009	-	1.62	78.68	-	97.92
Q2 2009	0.28	2.06	52.48	-	98.74
Q3 2009	1.34	12.20	10.83	-	120.85
Q4 2009	2.36	75.24	265.12	-	134.28
Q1 2010	5.35	30.44	12.81	0.17	33.59
Q2 2010	13.64	108.23	28.30	0.33	23.77
Q3 2010	12.97	93.34	60.71	0.60	23.42
Q4 2010	21.67	100.90	67.58	1.17	23.24
Q1 2011	48.00	105.04	50.02	3.38	55.28
Q2 2011	66.60	140.07	42.92	3.42	54.23
Q3 2011	75.31	143.91	53.83	3.05	56.16
Q4 2011	110.96	416.19	120.17	5.41	(165.67)
Q1 2012	85.88	162.19	81.98	6.30	56.74
Q2 2012	99.58	254.50	65.85	8.44	55.78
Q3 2012	109.11	205.78	77.24	8.21	58.77
Q4 2012	159.16	355.93	130.58	15.34	(171.28)
Q1 2013	145.56	267.62	103.74	4.79	-
Q2 2013	159.00	269.96	112.21	17.96	-
Q3 2013	163.71	265.82	102.78	10.15	-
Q4 2013	163.15	321.84	162.65	8.14	-
Q1 2014	186.32	270.65	133.18	9.69	-
Q2 2014	211.90	266.07	107.79	25.61	-
Q3 2014	217.99	326.18	116.88	26.28	-
Q4 2014	224.12	332.08	137.48	27.63	-
Q1 2015	247.68	326.48	123.74	31.70	-
Q2 2015	264.91	380.71	163.50	36.38	-

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Others..
2009	3.98	91.12	407.10	-	451.79
2010	53.63	332.91	169.40	2.27	104.02
2011	300.87	805.21	266.94	15.25	-
2012	453.73	978.40	355.64	38.29	-
2013	631.42	1,125.24	481.39	41.04	-
2014	840.32	1,194.98	495.33	89.20	-

Analysts Estimates (Million)

Item	Q2 2015 (e)	Q2 2015 (a)	Change‬
Average	352.08	364.76	3.60 %

Estimates vs Actual (Million)

Item	Q2 2015 (e)	Q2 2015 (a)	Change
Albilad Capital	365.00	364.76	(0.1) %
OSOOL AND BAKHEET	363.50	364.76	0.3 %
Alistithmar Capital	350.80	364.76	4.0 %
AlJazira Capital	349.10	364.76	4.5 %
KASB Capital	332.00	364.76	9.9 %

Financial Ratios

	Current
Market Cap (M)	77,125.00
Shares Outstanding ((M))	2,500.00
EPS ( Riyal) (TTM)	2.07
EPS Diluted ( Riyal) (TTM)	2.01
Book Value (BV) ( Riyal)	12.24
Par Value ( Riyal)	10.00
Adjusted P/E (Last12)	14.88
P/E (TTM)	14.88
Price/book	2.52
Return on Average Assets (%) (TTM)	2.3
Return on Average Equity (%) (TTM)	17.6

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Alinma’s H1 net profit up 18% to SAR 709 mln

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Alinma’s H1 net profit up 18% to SAR 709 mln

View other reports

Share Price

Alinma Bank (ALINMA)

Financials (M)

Current Quarter Comparison (M)

Balance Sheet (B)

Financial results (Million)

Financial results (Million)

Profitability

Profitability

Balance Sheet (B)

Balance Sheet Performance (B)

Ratios

Ratios

Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

Ratios And Multiples

Business Segments (Million) Q2 2015

Revenue by Business Segment (Latest) 2015 Q2

Analysts Estimates (Million)

Analysts Estimates (Million)

Estimates vs Actual (Million)

Estimates Accuracy

Financial Ratios

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Business Segments (Million)